It's time to take a closer look at your recreational vehicle. Before the big travel season hits and you can't wait to get on the road, take a look at the value and condition of your vehicle. Ten years ago, it was brand new with all of the latest features. In the last few years, you haven't used it as much because it may be lacking in some of those key modern amenities you want. Instead of replacing it, consider renovating it. There are numerous ways to do this; but before you hit the road, you also need to consider your current RV insurance policy.

Today's Owners are Remodeling

Many RV owners make significant upgrades and modifications to their RVs instead of purchasing a new one. These vehicles are highly valuable and they can serve you for decades if they are well maintained. For this reason, you may want to take a few minutes to plan out and make modifications to everything from your appliances to the way your system looks. It may be a good time for you to remodel that interior or to upgrade to a new, more advanced electronics system.

Why Your RV Insurance Matters

As you take these modifications into consideration, realize you may be adding a good deal of value to your RV. What's more, many types of RV insurance will cover the contents of your vehicle in most instances. If you are adding highly valuable systems or upgrades, you need to insure them. To do that, consider:

How much your vehicle's comprehensive RV insurance is and be sure it is worth enough to replace or pay for the current value of your RV in a total loss situation.

How much any contents or other items within your vehicle are worth and whether or not your current policy offers enough protection for those items.

Often times, major modifications require an adjustment to the overall coverage limits of your policy and that may mean additional policies to cover high-end valuables on board as well. RV insurance needs to meet your specific needs, but it needs to change with your RV. Be sure you've thought about the upgrades you've made and whether they are protected with insurance.

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